Future Scott
ResourcesTalk with Scott
Future Resource Series · Guide 05

Annual Health Insurance Review Checklist

A reusable yearly checklist to review what changed in your life, what changed in your plan, and whether your coverage still fits before you renew.

Back to Resources
Guide 05

Step 1: what changed in your life?

Review life changes before plan prices.

□ Household members changed.
□ Address or state changed.
□ Employment or self-employment changed.
□ Household income changed materially.
□ A spouse gained or lost employer coverage.
□ Retirement plans changed.
□ Medicare eligibility is approaching.
□ Doctors or specialists changed.
□ New prescriptions were added.
□ A major procedure is expected.
□ Travel or multi-state care needs changed.
□ Budget tolerance changed.
Guide 05

Step 2: what changed in the plan?

Do not assume a renewal is the same plan at a new price.

□ Monthly premium
□ Deductible
□ Maximum out-of-pocket
□ Primary care / specialist cost
□ Coinsurance
□ Hospital cost-sharing
□ Prescription formulary
□ Provider network
□ Out-of-network benefits
□ HSA compatibility
□ Major exclusions / limitations
Guide 05

Step 3: verify real-world usage

Make sure the plan still fits how you actually use care.

□ Primary doctor
□ Key specialists
□ Preferred hospital system
□ Regular prescriptions
□ Preferred pharmacy
□ Expected procedures next year
□ Expected therapy / mental health use
□ Out-of-state care needs
□ Last year's out-of-pocket spending
□ Biggest frustration with current plan
Trusted resources

Verify important details at the source.

Rules and deadlines can change. These links take you directly to official sources.

CMS - Summary of Benefits and CoverageStandardized plan-comparison information.HealthCare.gov - Browse plansPreview Marketplace plans.HealthCare.gov - Report changesUpdate household and income information.Medicare.gov - Get startedFor reviews near Medicare eligibility.

Need help applying this to your situation?

Use the guide first. If you still need help sorting through coverage paths, doctors, prescriptions, timing, and tradeoffs, schedule a complimentary conversation.

Schedule a Coverage Conversation
Educational use only. This guide is general information, not tax, legal, medical, or Medicare advice. Verify current rules and plan documents. Scott Saghirian is a licensed insurance advisor and is not a government agency or Medicare representative.